From 1st July the Council of Mortgage Lenders is integrated into a new trade association, UK Finance. For the time being, all UKF mortgage information will continue to be published on this website, and UKF member-only mortgage information will only be available here.

UK Finance represents around 300 firms in the UK providing credit, banking, markets and payment-related services. The new organisation takes on most of the activities previously carried out by the Asset Based Finance Association, the British Bankers’ Association, the Council of Mortgage Lenders, Financial Fraud Action UK, Payments UK and the UK Cards Association. Please go to www.ukfinance.org.uk for wider content and updates from UK Finance.

Here you will find our latest articles, market commentary, and opinion pieces, most recent first.  

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Market commentary September 2017

Analysis

26 September 2017

Housing market activity has been growing modestly since the start of the year, though the mix has shifted towards first-time buyers, away from buy-to-let and cash.

UK Finance research compares first-time buyers in the UK and Ireland

Opinion

22 September 2017

The financial crisis caused severe problems for first-time buyers in the UK and Ireland. Since then, however, mortgage and housing markets in the two countries have also gone through some contrasting experiences. Joint authors Mohammad Jamei, of UK Finance, and Anthony O’Brien, of the Banking & Payments Federation Ireland, draw on national data sources to compare the two markets.

Market commentary August 2017

Analysis

24 August 2017

Housing activity has been flat since the start of the year, with lending and transactions in line with 12 month averages. Our July gross mortgage lending estimate is £23.0 billion.

Older borrowers: why we need a more joined-up approach

Opinion

7 August 2017

Borrowers need more generic advice and guidance to understand their borrowing options in later life.

Recent and aspiring first-time buyers

Analysis

21 July 2017

The findings from this year’s English Housing Survey show that, while first-time buyers are getting older and their incomes higher, the appetite for home-ownership from tenants remains undimmed.

Market commentary July 2017

Analysis

20 July 2017

The housing market has reached a plateau as activity and lending have been flat since the start of the year. Our gross mortgage lending estimate for June is £22.1 billion.

Are mortgage borrowers prepared for rising interest rates?

Analysis

17 July 2017

It is more than a decade since the Bank of England raised interest rates. But the overwhelming majority of mortgage borrowers are well prepared for an increase.

Market commentary June 2017

Analysis

22 June 2017

The housing market has stalled over the past few months, with volumes in line with our forecast. Our estimate of gross mortgage lending for May is £20.1 billion.

Largest mortgage lenders 2016 – smaller firms show the strongest growth!

Analysis

20 June 2017

Our list of the largest lenders in 2016 includes data on 60 firms. It shows that last year smaller firms saw some of the strongest growth in lending.

Digital change and the mortgage market

News

12 June 2017

Research we are publishing later this month will explore how digital change has the potential to transform the mortgage market.